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Using Zero-Coupon Municipal Bonds for Your Financial Planning

Benefits of Investing in Discount Bonds

Investors seeking tax advantages and long-term capital accumulation for retirement, education funding or other long-range saving goals will find zero-coupon municipal bonds as an attractive investment.

Individuals can time the maturity of their investments to match their future needs. Some additional reasons to invest in zero-coupon municipal bonds are;

  • Retirement planning – Zero-coupon municipal bonds can be used to supplement a retirement savings program. They are not, however, suitable for Individual Retirement Accounts (IRAs) or qualified pension plans because these plans already have tax-advantaged status.

  • Education funding – A municipal zero portfolio can be structured to mature during a child’s or grandchild’s college years.

  • Gifting – Assets given today under the annual estate and gift-tax exclusion can continue to grow with the tax benefits of zero-coupon municipal bonds.

  • “Kiddie tax” – These types of bonds are attractive for gifting to minor children.

  • Supporting an elderly parent – In today’s aging society, more people are spending large amounts of money providing care for their aged parents. Zero-coupon municipal bonds purchased now can help meet those future needs.

The best way to determine how to invest in a zero-coupon municipal bond is to work with a bond specialist. GMS bond specialists have the knowledge, experience and latest market information to help you determine what type of investment is best for your financial planning.

Are you interested in purchasing or selling a bond? Put a municipal bond specialist to work for you today. Contact GMS GROUP LLC now or simply call 877-467-0070.